Recreational Vehicles & Watercraft:

Recreational vehicles such as motor homes, camper units and vacation trailers can be insured through ICBC or by a private insurance company.

Coverage ranges from Named Perils to Broad Form Perils. For units that qualify we can obtain “Guaranteed Replacement Cost” as well as coverage for personal property and emergency vacation expenses.

We can also insure a wide range of watercraft from personal watercraft to yachts. We represent a number of insurance companies, who specialize in this type of coverage.

To provide you with an accurate quote we require a completed application. Please contact one of our knowledgeable staff for more information.

Off Road Vehicle Insurance

ATV's, Snowmobiles, Trail Bikes, and Dune Buggies. Currently we offer liability up to $2,000,000, Accident Benefits and physical damage options of “all risk”, comprehensive or specified perils. Discounts averaging in excess of 25% are available to club members, and further discounts for safety training courses and immobilizers are also available if you qualify.

FAQ’s (From the Open Skies Website)

Where does my insurance cover me?
The OPEN SKIES insurance policy covers you anywhere you can legally ride in Canada or the continental United States.

Does it cover me for liability on Forest Service Roads in BC?
Yes, as long as you have a valid driver’s license which is one of the legal requirements when riding on a FSR in BC and have purchased third party liability.

What limits can I buy?
You have an option of $200,000, $1,000,000 or $2,000,000 limits on third party liability while being operated by a licensed operator. The limit automatically reduces to $200,000 with a $1,000 property damage deductible when operated by an unlicensed operator.

What is a third party liability?
This provides your legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost. It is the only program that extends coverage up to $25,000 for sudden and accidental pollution.

Sometimes I ride with a passenger. Am I still covered?
Yes, we have no exclusion for riding with a passenger.

Sometimes I lend my machine to someone else. Am I still covered?
Yes, our Definition of Insured extending coverage to ANYONE with owner's permission, eliminating the common restriction of "immediate family residing at home".

Am I still insured if I let my 12 year old ride?
Yes, as long as he is not on a Forestry Service Road which requires a valid driver’s license. We have no age limitation in our policy but the liability limit drops to $200,000.

I may use my machine for incidental business use. Am I covered?
Yes, if you declared this on your application and were rated accordingly.

What if I am injured in an accident while operating my unit?
You can purchase Accident Benefits similar to what is offered through ICBC on a licensed vehicle.

What are accident benefits?
This covers the operator and passenger with costs resulting from accidental death (including funeral expenses), disability, rehabilitation, medical treatment, and loss of income.

Can I buy the Accident Benefits without purchasing liability?
No, it is only available with liability insurance.

What if the passenger is hurt?
Accident Benefits are applicable to the operator and passenger.

Can I buy insurance on my unlicensed Trail Bike?
Yes, subject to the same terms and conditions as for other off road vehicles.

Can I insure my quad, snowmobile, dune buggy and trail bike all in 1 policy?
Yes, all your off road vehicles can be insured under one policy.

What physical damage coverage do you offer?
OPEN SKIES offers All Perils, which includes collision or upset, or Comprehensive which is All Perils excluding collision or upset or Specified Perils which is fire, theft and specific perils named in the policy. All provide coverage for theft with no restrictions, and all have a $500 deductible all losses.

What limits can you offer on physical damage?
We offer up to $40,000 for physical damage on quads, dune buggies or sleds, and up to a limit of $25,000 on a trail bike.

Do you offer Replacement Cost with no depreciation?
Yes, we offer true Replacement Cost (not to be confused with agreed value) at no extra charge, for 24 months from date of delivery of your quad or sled including inflation guard. You must provide a copy of the bill of sale and insure for 100% of value including attachments, modifications and taxes.

What about my trailer, is it insured?
Yes, a dedicated trailer or deck is automatically insured for the same coverage you have on your off road vehicle, up to a limit of $1,000. Higher limits can be purchased if needed. (see Rider Plus)

What does Rider Plus cover me for?
It covers search & rescue, increases the limit on riding gear, increases deck & trailer limit to $5,000, lock re keying and travel protection.

Does OPEN SKIES rating offer discounts?
Yes, we offer discounts for:

• Membership in recognized Provincial Associations or their clubs
• Approved Safety Training,
• Immobilizer discount

Download Open Skies Off Road Vehicle Insurance Application (PDF)